Although remote deposit capture (RDC) quickly emerged after the implementation of Check 21 as a way for banks to expand their footprints and customer relationships while potentially building revenues in a changing payments environment, industry acceptance has been somewhat slower than anticipated. Banks have tended to take a more defensive approach to RDC, focusing mainly on using it to retain existing customers and cut processing costs rather than to attract new customers. But as the technology matures, more and more banks are beginning to realize the offensive potential of RDC. So how can banks use RDC as a competitive differentiator, and can it actually drive growth? And what are the technology requirements for a successful RDC strategy?

Peggy Bresnick Kendler has been a writer for 30 years. She has worked as an editor, publicist and school district technology coordinator. During the past decade, Bresnick Kendler has worked for UBM TechWeb on special financialservices technology-centered ... View Full Bio